| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INS. SVCS., LLC3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | UNITEDHEALTHCARE INSURANCE COMPANY | $78K | $0 | $78K | 5.29% |
| WESTLAKE RISK & INSURANCE SERVICES3 Filed as: WESTLAKE RISK & INS. SERVICES., INC | 2659 TOWNSGATE ROAD, SUITE 103 WESTLAKE VILLAGE, CA 91361 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 0.51% |
| ANNETTE L. BURNS3 | 28303 BRYCE DRIVE CASTAIC, CA 91384 | AFLAC | $1K | $128 | $1K | 5.75% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES, INC. | 2659 TOWNSGATE ROAD, SUITE 103 WESTLAKE VILLAGE, CA 91361 | AFLAC | $359 | $0 | $359 | 1.74% |
| MJ INSURANCE3 Filed as: VICTOR M. FLORES AND VARIOUS AGENTS | 1815 BRENNAN COURT LANCASTER, CA 93534 | AFLAC | $344 | $0 | $344 | 1.66% |
| JACOB BURNS INC.3 Filed as: JACOB BURNS, INC. | 2905 MAGNOLIA AVENUE LONG BEACH, CA 90806 | AFLAC | $236 | $30 | $266 | 1.29% |
| JAIME PUERTA3 Filed as: JAIME I. PUERTA | 28443 SANTA CATARINA ROAD SANTA CLARITA, CA 91350 | AFLAC | $164 | $0 | $164 | 0.79% |
| GEORGE E ARBID3 Filed as: GEORGE E. ARBID | 25728 LEWIS WAY STEVENSON RANCH, CA 91381 | AFLAC | $122 | $30 | $152 | 0.73% |
| HORACIO J. LANZAS3 | 7032 BAIRD AVENUE RESEDA, CA 91335 | AFLAC | $85 | $0 | $85 | 0.41% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.5M |
| Short-term disability | AFLAC | 26 | $21K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.5M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.5M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.